2026:JHHC:2144 IN THE HIGH COURT OF JHARKHAND AT RANCHI B.A. No. 11651 of 2025 ------ HavaldarRajgrihi Ram @ Raj Grahi Ram, S/o Late Sabhapati Ram, R/o J.A.P. 4 Camp, P.O. BMP 4, P.S. Sector 12, District Bokaro .... .... …. Petitioner Versus The State of Jharkhand .... .... .... Opposite Party CORAM: HON'BLE MR. JUSTICE GAUTAM KUMAR CHOUDHARY For the Petitioner : Mr. Sanddip Barnwal, Advocate For the State : Mr. Sunil Kr. Dubey, APP ------ Order No.03 / Dated : 28.01.2026. Heard both the sides. This bail application has been filed on behalf of HavaldarRajgrihi Ram @ Raj Grahi Ram who is in custody since 24.09.2025 in connection with Madhuban P.S. Case No. 77 of 2024, corresponding to G.R. No. 3457 of 2025 for the offence registered under Sections 409 and 420 of the IPC pending in the Court of J.M.F.C., Dhanbad is pressed into motion. The matter involves taking a personal loan of Rs. 17,82,000/- by making a false representation that he was serving in Jharkhand Armed Police, Bokaro. On 19.11.2022 he got sanctioned loan amount, by using documents of his employment whereas he had already been dismissed from service on 16.11.2022. It is submitted by the learned counsel on behalf of petitioner that it is a case of default in payment of loan, therefore, the offence alleged will not be made out. It is true that default in payment of loan simpliciter will not make out a criminal offence, but where the loan has been obtained by fraud making misrepresentation of fact the offence will be made out. Learned A.P.P. for the State opposed the prayer for bail. Considering the facts and circumstances of the case, the prayer for bail of the petitioner, is hereby, rejected. (Gautam Kumar Choudhary, J.) Pawan/ Uploaded 29.01.2026